I treat all cryptocurrencies the same. I understand that we all look to stablecoins when the market is dipping to save our overall portfolio value but I however believe that even stablecoins are not totally safe from crashing either just like every other crypto. After all, they are projects setups like other crypto and for some reason can crash like them too.
Storing stablecoins on your wallet is dangerous for many reasons that it makes no sense to list here. Therefore, if you are not planning to buy in the near future, it will be reasonable to transfer such stablecoins to fiat. Moreover, thanks to p2p, it is very easy and very fast to do.
Stable coin have had it's use for us, you can convert your crypto to stable coins as hedge to volatility, and vice versa, convert your stable coins to crypto if you want to do trades. But yes with the advent of P2P it's easy to handle stable coins to fiat and very quick.
But still the question though, it is safe, as we don't know if this stable coins projects are back up 1:1 against the dollar or they are just running on fractional reserves just like bank. Really hard to answer this though, for me, I used stable coins, but I don't put everything on them. And if I will ever had to transfer my crypto to stable coins, I will simply withdraw it P2P.